The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$62,595
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$64,542
−HK$1,979/mo
Today · 4.125%
HK$66,521
baseline
▲ 0.50% · 4.625%
HK$70,568
+HK$4,047/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$133,042/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,637
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,504
−HK$1,895/mo
Today · 4.125%
HK$73,399
baseline
▲ 0.50% · 4.625%
HK$77,268
+HK$3,869/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$146,798/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,114
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$77,451
−HK$2,374/mo
Today · 4.125%
HK$79,825
baseline
▲ 0.50% · 4.625%
HK$84,682
+HK$4,857/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$159,650/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,564
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,805
−HK$2,274/mo
Today · 4.125%
HK$88,079
baseline
▲ 0.50% · 4.625%
HK$92,721
+HK$4,642/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$176,158/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,633
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$90,359
−HK$2,770/mo
Today · 4.125%
HK$93,129
baseline
▲ 0.50% · 4.625%
HK$98,795
+HK$5,666/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$186,258/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,491
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$100,106
−HK$2,652/mo
Today · 4.125%
HK$102,758
baseline
▲ 0.50% · 4.625%
HK$108,175
+HK$5,417/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$205,516/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,671
−HK$7,066/mo
▼ 0.25% · 3.875%
HK$116,176
−HK$3,561/mo
Today · 4.125%
HK$119,737
baseline
▲ 0.50% · 4.625%
HK$127,023
+HK$7,286/mo
Deposit HK$2.75M · loan HK$24.71M · min. income ≈ HK$239,474/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,346
−HK$6,772/mo
▼ 0.25% · 3.875%
HK$128,708
−HK$3,410/mo
Today · 4.125%
HK$132,118
baseline
▲ 0.50% · 4.625%
HK$139,082
+HK$6,964/mo
Deposit HK$2.75M · loan HK$24.71M · min. income ≈ HK$264,236/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,667 · Scale 2, in force from 26 Feb 2026)